Know exactly how much you earned, how much to keep aside, and how many months of runway you have - even when clients pay you in different currencies.

What you get

• Income log for USD, EUR, GBP, USDT, USDC (add your own currencies). Enter the amount, currency and the FX rate you actually got on each row; fees (bank, platform, network, off-ramp) are tracked separately.

• Expense log with 14 editable categories, optional FX rate per row.

• Monthly dashboard: gross income, fees, net income, tax set-aside, expenses, net cash flow, spendable cash balance, tax reserve balance and a chart.

• Tax set-aside: you choose the percentage; the sheet reserves it from net income each month and tracks what you have paid out of the reserve.

• Runway: spendable cash divided by your average monthly expenses over the last 3 months, compared with your target.

• Income-by-currency breakdown (see how exposed you are to each currency).

• Blank template + a fictional EXAMPLE file so you can see it working. 500 income rows and 500 expense rows.

Good to know

• Works in Microsoft Excel, LibreOffice and Google Sheets. No macros, no add-ins, no logins, no live data feeds - your numbers stay in your file.

• No exchange rates or tax rates are pre-loaded and the template makes no country-specific tax claims. The tax % is a placeholder you set yourself.

• Record-keeping tool only. This is not financial, tax, accounting or legal advice; ask a qualified professional in your jurisdiction. Not affiliated with any exchange, wallet or stablecoin issuer.

Template created with the assistance of automated tools and checked with test data.